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by Snow Dog
Tue Sep 16, 2008 9:39 pm
Forum: who would you recommend?
Topic: recomend a company for IVA?
Replies: 15
Views: 192974

You are right of course Melanie. And as I said, it really does go against my character. I think I will take a leaf out of Debbies book and probably not answer the phone in future[;)]
by Snow Dog
Tue Sep 16, 2008 9:26 pm
Forum: who would you recommend?
Topic: recomend a company for IVA?
Replies: 15
Views: 192974

It is really good to have sleep again[;)] Although I suspect I will have even better sleep if we get accepted on an IVA. While I am here may I ask another question? I am not generally a rude person, in fact, I despise rudeness and always try to be polite to everyone, BUT, I am starting to find that ...
by Snow Dog
Tue Sep 16, 2008 9:15 pm
Forum: who would you recommend?
Topic: recomend a company for IVA?
Replies: 15
Views: 192974

Thanks Debbie..After speaking to people on here last night I think it was the first night in ages I had a good sleep. I have to say though I just had Barclays Bank on the phone, pestering as usual. I told her that we are speaking to someone tomorrow about an IVA, and she said that I need to go to th...
by Snow Dog
Tue Sep 16, 2008 9:00 pm
Forum: who would you recommend?
Topic: recomend a company for IVA?
Replies: 15
Views: 192974

Well even though we are only at the very begining of the IVA process we have gone for Melanie Giles, or rather someone who works with/for her, too. We picked her firm because of the help and advice she gives on this forum. I am glad we found out about her before we chose anyone else[;)]
by Snow Dog
Mon Sep 15, 2008 10:13 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can you join the army well in a IVA
Replies: 71
Views: 10368

[:D]ha ha, yes, the PTI's were evil! I don't think that these days they are allowed to be as vicious as back in the day..thank goodness.
by Snow Dog
Mon Sep 15, 2008 9:49 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

Thanks everyone for your kind words and support. I already feel happier. I may actually sleep well tonight. I will let you know how things go on Wednesday[;)]
by Snow Dog
Mon Sep 15, 2008 9:46 pm
Forum: Ask IVA Forum and Industry experts
Topic: Can you join the army well in a IVA
Replies: 71
Views: 10368

Hi, I was just speaking to my hubby about pay parades as he has just left the army after 23 years. He was saying that trainees still did pay parade when he was a Instructor at a training camp..but this was 9 years ago..so it may have changed. God I remember doing pay parades when I was in the WRAC a...
by Snow Dog
Mon Sep 15, 2008 9:40 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

To be honest Lulu the situation with our business is not helping our financial problems. The shop has gone really quiet in the last few months, which of course means that I am struggling to take a wage from it which means that we have got in arrears with unsecured loans and credit cards The shop its...
by Snow Dog
Mon Sep 15, 2008 9:21 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

[:D]I really do need a small holding..lol. But yes, in all seriousness, If we do have to move out then I guess we would have to do some hunting about to get someone to take us with all of these animals.
by Snow Dog
Mon Sep 15, 2008 9:10 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

No worries about feeding them all, at the moment, because we own a pet shop[;)] (although I am planning to give this up next year when the lease runs out)
by Snow Dog
Mon Sep 15, 2008 9:05 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

Hi Skippy..are you ready for this?? We have 3 dogs (one being a husky hence the snow dog name[:D]) 2 cats (we just rescued one last week) 2 budgies, 1 cockatiel and 2 chickens[;)]..they are all my babies[8D]
by Snow Dog
Mon Sep 15, 2008 9:02 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

I totally agree Melanie. I would just die without my pets. I guess if we did have to move out of here the good thing is that as this is rural North Yorkshire, there are a few places out there willing to take tenants with pets...I am just not sure if they would be willing to take our large menagerie ...
by Snow Dog
Mon Sep 15, 2008 8:59 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

Thank you so much for advice Melanie and Lulu. I will let you know how things are after the chat with the IP on Wednesday. I just hope we get accepted for an IVA, I really would hate for us to go down the Bankruptcy route.[:(]
by Snow Dog
Mon Sep 15, 2008 8:49 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

Thanks for the advice Melanie. Yes I think you are right, the rental is roughly about £800 or less sometimes for somewhere really decent..and hopefully somewhere that would take let us bring our pets[;)]. I think I will probably be in a less panicicky state once we have spoken to the IP.
by Snow Dog
Mon Sep 15, 2008 8:45 pm
Forum: mortgages
Topic: My home
Replies: 29
Views: 4628

Hi again We have around about £43K of unsecured debt. I was just chatting with my husband about the housing prices around here and actually even though houses the same as ours are up for sale at £165000, they are just not selling. So I fear that they probably will come down in the near future. But w...
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